Teaching Moments - 10 Rules About Money

By John Bishop

How we view money has a profound impact on all facets of our life. It determines where we live, the type of job we have, how we look at the world, and, unfortunately, how we feel about ourselves.

Money has the power to do great things, but it can also destroy the mightiest empires. Each of us has to determine what our relationship with money will be. You have to learn how to earn it, save it, spend it and invest it. These can be hard lessons, but you can use a few simple rules to make your life a lot less stressful.

1. Control your spending or it will control you.

2. Work smart for your money.

3. With savings and investments, have your money work as hard as you do.

4. Minimize or eliminate high-interest debt (i.e., credit cards, rent to own, payday loans, buy now/pay later loans, etc.).

5. Surround yourself with people who know how to use money wisely.

6. To earn more—learn more, do more and think more.

7. Put at least 5% from every paycheck into a savings account.

8. Don’t let money determine your self-image.

9. If your company has automatic deposit for your paycheck, use it.

10. Remember: It’s not how much you make. It’s how much you keep.

With these rules you will be able to live the type of life you want—whatever that means to you. Suggestions for Implementation:

1. Find a mentor who can teach you about the fundamentals of money.

2. Have an open family discussion about money.

3. Look on the Internet about starting an investment club.

4. Think of your last major purchase. Did you really need the item? Or did you simply want it?

Please visit the Teaching Moment website for more life skills ideas to help children succeed.

John Bishop is the Executive Director of Accent On Success® a nonprofit organization dedicated to giving parents and teachers the tools they need to help children succeed in school and in life. He is the author of the Goal Setting for Students book which has recently won three national parenting book awards.

Article Source: http://EzineArticles.com/?expert=John_Bishop

Make Money Using MySpace

By Paul Giordano

In today’s increasingly expensive society, a need for a second income arises more and more each day. The problem with this is that no one has the time to get a second job, so we often Google various methods of making money online. Unfortunately, with all of the money making schemes online today, it’s hard to really trust that one method really works. I, myself, went through this same problem. Spending money on e-books that tell you all these “easy” ways to make money can empty your pockets rather than fill them. Especially because most of these schemes require you to have some sort of expertise of the internet. Now because of this, these schemes may seem like scams, but you have to look at them from a different way. I was fortunate enough to realize that is a plethora of resources available and it’s very possible to make money using MySpace as your gateway.

Since MySpace is the internet’s largest online community, this is the easiest way to advertise or reach millions of people with just a push of a button. This is the bread and butter to making money online. All you need is traffic to wherever you want people to go. Whether it’s selling something, or just PPC (pay per click) advertising, traffic will generate turnover and put money in your pocket. I know from experience that the way to make money on MySpace is easier than you think.

First, you need a way to generate revenue. You can start by joining an affiliate program network. Affiliates programs are when you will advertise a product for a specific seller. Every person that is forwarded to the seller’s website through YOUR advertising, you will make a percentage of the profit, it’s that simple. They seller will provide you specifically coded links that you can post anywhere on the internet, and these links will refer back to your program every time someone uses them. You can also start a blog. On your blog you can have PPC ads which generate revenue for you. After a while, it’s money straight into your pocket. But first you need to get people to click your links and visit your site. This is where MySpace comes in.

With MySpace, you can use bulletins, messages, or comments to post these links, but you have to do so carefully and discretely. You don’t want it to look like spam. You also have to build a large friend list with MySpace. With a large friend list, you can reach all of your friends with the push of a button. The method that I use is with a friend adding program like The Official MySpace Friend Adder. With a program like this, you can add 500 friends per day, and reach out to millions automatically. This program alone has generated hundreds of thousands of referrals to my affiliate programs. All I do now is create a cool looking bulletin with my affiliate link embedded within it, and send it out automatically. Just today I reached over 14,000 people without having to do anything. The great part of this is that I’ve had a great amount of turnover from these people. But you have to make the bulletin’s look interesting. You can do the same thing through commenting. Wirh a good friend adding program like The Official Friend Adder, you can send comments to everyone at the same time. With this you can even post your links on someone’s page and allow people that aren’t on your friend list to click on them.

Making money with MySpace is such an easy way to generate a second income. Just follow the steps I provided, get yourself a friend adding program, and you will be making money in no time.

PaulG is an expert on internet social groups, especially MySpace. Add up to 500 MySpace friends per day, leave tons of comments and messages, and gain traffic to your MySpace profile by checking out The Official MySpace Friend Adder. Try it out for free!

Article Source: http://EzineArticles.com/?expert=Paul_Giordano

A Beginner's Guide To The World Of Forex Trading

By David Shephard

You will undoubtedly have heard of the foreign exchange, or Forex, market and will also probably be well aware of the buzz that currently surrounds it. You may also have heard of the many advantages that it offers over other forms of trading, such as trading on the stock market, and have thought about trying it out for yourself. But just where do you start?

Well, in this short introduction, we'll cover the basics of Forex trading and give you an idea of just what you need to join this exciting and fast growing world.

Until about twenty years ago the foreign exchange was the preserve of large players such as national banks and multi-national corporations. However, during the 1980s, new rules were introduced to permit smaller investors into the market and their entry was facilitated with the introduction of margin accounts. Without going into too much detail here, a margin account means that it is possible to trade with more money than you have in your trading account. For example, a 200:1 margin account would allow you to participate in trading a block of $200,000 with an investment of just $1,000. In other words, it is no longer necessary to have the huge sums of capital available to the major financial institutions in order to trade in the Forex market.

Now, although the entry level has been lowered, this does not mean that Forex trading is easy. The world of Forex trading is complex and, like any other market, it is not without its risks. The first tool in your armory therefore is education. Before you embark on any form of trading you will need to sit down and study the foreign exchange markets carefully. Arming yourself with knowledge about the Forex market and how it works is the only way to ensure that you are making wise investment decisions right from the outset.

Forex traders normally require a broker to handle transactions for them and, as a beginner, you would be well advised to start by finding yourself a good broker. The majority of brokers are reputable and work alongside large financial institutions, such as banks. A reputable broker will be registered with the Commodity Futures Trading Commission (CFTC) as a Futures Commission Merchant (FCM) which is important as this provides you with protection against abusive trade practices and fraud.

Opening an account with a broker is normally a simple process of filling out a form and producing a suitable form of identification and, once this has been done and you have added funds to your account, you can begin trading. Your agreement with the broker will specify the margin on which you are allowed to trade through him and will also normally give the broker the authority to prevent a trade on your account where the broker feels that the trade carries too high a risk. This is simply to protect the broker as, on a margin trading account, you are essentially trading with his money and not your own.

Brokers will usually offer a variety of different accounts to suit individual investors and many will have "mini" accounts which allow you to start trading with as little as $250. Standard accounts will require an initial deposit of between $1,000 and $2,500 depending on the broker. The margin, or leverage, allowed will also vary between accounts.

Most brokers will also have facilities for those people coming into the Forex market for the first time to learn the ropes by carrying out simulated, or paper, trades for a period of time. In this case trading is conducted in the normal manner but no money is involved and each trade simply takes place on paper. This gives the newcomer an excellent opportunity to see trading in action without the associated risks while gaining an understanding of the market.

Many of the online brokers, though whom an increasing amount of trading is being done, have simulated accounts which allow you to make free paper trades for up to 30 days and every newcomer would be well advised to take full advantage of this facility.

Brokers will also have their own set of software tools to assist in making transactions and you should take your time to familiarize yourself with these before launching headlong into trading. In addition, there are several tools that are common to all Forex brokers such as real time quotes, news feeds, technical analyses and charts, and profit and loss analyses and you will also need to acquire a good basic understanding of how each of these can be used.

One final point to remember is that trading in the Forex market is free of commission and so, unlike many other markets, you can make several trades in the course of a single day without worrying about running up huge brokerage fees. The brokers will make his money from the difference between the buying and selling price on each transaction.

Visit ForexOnlineTradingSystem.info to discover more about how you can learn forex trading online

Article Source: http://EzineArticles.com/?expert=David_Shephard

Start Making Money Online Today by Starting a Medical Transcription Online Home Business

By Joshua Spaulding

An understanding of the medical profession is helpful, but not required. This is because you will need to be able to spell medical terms accurately. This type of employment can be done online through a business or you can work for yourself as a freelancer. You will also need to be a good listener to do medical transcription effectively. People all talk with different accents and at different speeds, which can make the transcribing difficult at times.

This type of employment is great for anyone wanting to earn extra cash or who enjoys having a career from home. Medical transcriptionists are in high demand. You will make a good amount of money doing it, as well as have no problems securing work. The amount of money you make depends on how much time you want to spend working. Obviously, the more time you put into it, the more revenue you will generate. Some places pay by the hour of information to be transcribed, in the range of $12 to $20 per hour. Other places pay by the quantity and quality of work you perform. For those who want to make a career out of medical transcription, it is wise to invest in a medical dictionary and a medical spellchecker. This will improve the quality and speed of your work.

Medical transcription involves typing the words that medical professionals have recorded on a tape that is mailed to you or on an audio that you download to your computer. The information you type may include medical history, physical reports, clinic notes, office notes, discharge summaries, letters, psychiatric evaluations, lab reports, and pathology reports. Some people transcribe just by hearing and typing. Others choose to invest in transcription equipment. This equipment generally consists of headphones and a foot pedal. While listening to the audio, you control the speed by pressing on the foot pedal.

To earn money easy and fast, look into the profession of medical transcription. It is a great way to make money. With so many opportunities in this field, you can control the amount of work you are willing to do. The pay is good and the work is simple. In some cases, self employed medical transcriptionists can earn up to $40 per hour once they have established a clientele. The cost of the equipment you purchase to do your job is tax deductible as well as a portion of your home office and your internet expenses. You will need to keep a very detailed log of your income and expenses for reporting purposes on your income tax returns.

The National Board of Medical Transcriptionists provides this field with a great resource for networking via email, newsletters, chat rooms, message boards, forums, and websites. This information is to provide medical transcriptionists with the latest technology and information in the field, regardless of whether they work in an office or at home.

Article Source: http://EzineArticles.com/?expert=Joshua_Spaulding

Profitable Trend Forex System, Make $5000 A Month Trading

By Adrian Pablo

The Forex market is known by its immense volume of transactions per trading day, and it’s because of this fact that it’s impossible for a single of the market’s forces to noticeably control the market direction for any considerable length of time, opening many opportunities for traders of any size.

The Profitable Trend Forex System has its origins in a little fact that very few traders know about. This controversial fact is that you don't need complicated and confusing fundamental or technical analysis to trade successfully. Systems that are based on logical, scientifically sound, and well-tested forex trading concepts have been performing extremely well and will continue to do so for many years to come. One of the greatest myths in trading is that you need to forecast or predict the future of the markets in order to make money in the forex markets. But the Trend Forex System author says NO (and this is a big and controversial statement), according to his research nothing could be further from the truth, you don’t need to predict the futur. The fact is that trying to predict future price movements will certainly lead to unnecessary frustration and failure. To be successful in forex trading, you only need to do two things: Identify the trend & join the trend with the precise timing. That’s really all profitable forex trading is about.

As all traders know; trading is difficult and trading is ruthless. In short it’s a hard world so you must have the edge to survive and succeed in this tough business. The Profitable Trend Forex System claims to be the system that will give you the confidence to trade and become profitable. I’ve seen only some of it in action but so far everything works right.

If you want to learn more about succesful Trend Trading In Forex take the first step:

=>> http://www.1-forex.com/Trend-Forex-System

Article Source: http://EzineArticles.com/?expert=Adrian_Pablo

How To Save Money On Your Personal Finances

By Richard Heaney

There are a number of small, relatively simple steps you can make to save on your monthly outgoings and take control of your personal finances. You will no doubt have heard of at least some of these tips before but if you put them all into practice it will make a difference to your bank account!

Firstly start by looking into what you spent your hard earned cash on last month. Go through your bank statement and identify all the different areas which cost you money. Now think about each area and work out what you could do to save money. At first the savings you find may seem insignificant but when you add them all up at the end of the month hopefully it will put a smile on your face.

Mortgage Payments – Most of us spend around a third of our income on rent or mortgage payments. If you are a renter then I am afraid the only real option here is to move to a cheaper place. If you are lucky enough to own your own home you should look into your mortgage. These days refinancing a mortgage is quite straight forward and if you have not looked into it recently and interest rates have moved you could find a deal with lower monthly payments and maybe even pay your mortgage off faster.

Household Utilities – The main items here for most people are electricity and gas, you can make savings in two separate ways. Think about your energy usage habits. Do you turn the lights off when you leave a room and unplug electrical equipment at night? Only heat the amount of water you need when boiling the kettle and maybe turn the heating down a degree or two. Go through your daily routine and you should be able to find other ways to save that are specific to you.

The other factor you can change here is your supplier. Look into how much all the suppliers in your area charge for utilities. Can you save if you pay by direct debit or online? Is it cheaper to combine your electricity and gas bill?

Credit Cards – If you currently have a balance on a credit card which charges interest each month you should look into switching to a card with an interest free period. This way you are paying off the principle each month rather than just paying the interest off. If you have more than one credit card and one of them is paid off in full then give them a call. They might be able to offer you a better interest rate than the card you are currently paying out on.

Insurance – This one is pretty obvious but can make a big difference. Find out how much you are paying for your car, home and contents insurance and shop around. Even if you had the best deal available last year you could still make a saving here.

Groceries – I enjoy a quality meal as much as the next guy but you can make a saving here too. With high competition amongst the supermarkets you can find some really cheap unbranded products which are often quite good.

There are lots of other ways you can save on your personal finances. Make your phone calls off peak. Walk to the shop and save on petrol. Just go through everything you spend money on each month and identify where you could make a saving. After a couple of months of doing this you will be surprised by how much you can save and you should be able to get back in control of your bank balance.

Richard Heaney is the webmaster at Personal Financial Information. Find out useful information on a variety of different areas including mortgages, credit cards and insurance.

Article Source: http://EzineArticles.com/?expert=Richard_Heaney

Teaching Moments - 10 Rules About Money

By John Bishop

How we view money has a profound impact on all facets of our life. It determines where we live, the type of job we have, how we look at the world, and, unfortunately, how we feel about ourselves.

Money has the power to do great things, but it can also destroy the mightiest empires. Each of us has to determine what our relationship with money will be. You have to learn how to earn it, save it, spend it and invest it. These can be hard lessons, but you can use a few simple rules to make your life a lot less stressful.

1. Control your spending or it will control you.

2. Work smart for your money.

3. With savings and investments, have your money work as hard as you do.

4. Minimize or eliminate high-interest debt (i.e., credit cards, rent to own, payday loans, buy now/pay later loans, etc.).

5. Surround yourself with people who know how to use money wisely.

6. To earn more—learn more, do more and think more.

7. Put at least 5% from every paycheck into a savings account.

8. Don’t let money determine your self-image.

9. If your company has automatic deposit for your paycheck, use it.

10. Remember: It’s not how much you make. It’s how much you keep.

With these rules you will be able to live the type of life you want—whatever that means to you. Suggestions for Implementation:

1. Find a mentor who can teach you about the fundamentals of money.

2. Have an open family discussion about money.

3. Look on the Internet about starting an investment club.

4. Think of your last major purchase. Did you really need the item? Or did you simply want it?

Please visit the Teaching Moment website for more life skills ideas to help children succeed.

John Bishop is the Executive Director of Accent On Success® a nonprofit organization dedicated to giving parents and teachers the tools they need to help children succeed in school and in life. He is the author of the Goal Setting for Students book which has recently won three national parenting book awards.

Article Source: http://EzineArticles.com/?expert=John_Bishop

How And When To Teach Your Kids About Money

by: Greg R Smith

As a child, money seems to somehow “grow on trees” as mum and dad always appear to have money to buy things.

Even though this is clearly not the case, it’s unfortunately the perception of children who live in a very consumer oriented world.

Rather than letting your child grow up thinking that money comes easily, you need to institute some form of education that teaches them how to understand and use money wisely.

Teach them young and they will carry forward that knowledge and live a better financial life. Here’s a few tips how :

From ages 3 - 7

1. Show them the value of money by explaining what $2 can and can't buy. It may be an idea to do this whilst walking down the super market aisle or toy aisle (if you are game!).

2. Let them watch you pay for things. You may even start by letting them hand over the cash or pressing the OK button on the ATM.

3. Do not give them notes. Pay their pocket money in coins as your children need to understand how to allocate their money.

4. Show them how to visualise their goals. Get them to draw what they want to save up for. Keep the goals realistic otherwise they will very quickly lose interest.

What they learn -

• Different things have different values.
• Money simply doesn't grow on trees and that you have to work for your money.
• You have to allocate your money for different things

From ages 7 - 12

1. Encourage them to participate in the school banking programme. This will give them a sense of regular commitment to savings.

2. Get them interested in looking at their bank statements and following how much money they are saving. This will get them used to scanning banking paperwork.

3. Get them to start thinking of a long term saving goal and work out how long it will take them to reach that goal.

4. Give them a combination of notes and coins for their pocket money. This will really strengthen their allocation abilities and efficient usage of spare change.

5. Start showing them the family bills and explain positively that the bills have to be paid to keep the family going.

What they will learn –
• Saving is a planned activity and something that needs a bit of thought rather that just putting away what's left over.
• The value of small change
• It takes a fair bit of money and good money management skills to keep a roof over their head.

For Teenagers

1. Encourage them to set up their own bank account and use internet banking.

2. Direct debit their pocket money into their account. This will get them used to dealing with intangible payments, and that electronic money is not just a set of numbers.

3. Make them responsible for their own bills such as mobiles. This is a very quick way to teach them how to spend wisely.

4. Try not to lend money to them for purchases that are of an extravagant nature. If they really want it, encourage them to get a part time job to save up enough. If you do loan money to them, do so only on the grounds that you will reduce the amount of their pocket money until the loan is paid.

5. Charge them board if they have a part time job - this will start getting them into the habit of paying their way for things they take for granted - like food and shelter!!

6. Introduce them to the concept of return on investment. Show them the value of putting some of their money into high interest savings accounts or even into managed investments.

7. Highlight the fact that if they start now they will be so much better off down the track.

What they learn –

• Not only will they learn more modern and more efficient banking techniques they will also learn how to curb their wants, or find ways to earn rather than going into debt for something that is not totally necessary.

• It takes money to create money.

How To Make Your Ebay Listing Get Found By Buyers?

By: Ricky Lim

With thousands and thousands of listings for each category on ebay, it is easy for your ebay listing to be buried and ignored by buyers because buyers can’t find them. Sure, you could pay more money using featured items, bold items, second category and all those stuff. But what if there is a better way for your listing to get found without paying the additional fees that eats into your profits?

Up to 85% of ebay users use the search function on ebay to find what they want. Since most ebay users do not use the check the “title and description” box during searching, that’s means the title is the single most important factor for your ebay listing to be found.

Ebay allows up to 55 characters in the title and you should full use of it. I’ve seen listings where the title is only 15-20 characters long and give very vague description on what they are selling.

Try to be as descriptive as possible in your title. For example, if you are selling a dvd player on ebay. Put in the model no, brand of the dvd player. An example would be “Sony DG-1098 DVD player v2” or something along the lines. The main advantage is you get less competition for more specific terms and also buyers who find your listing this way already knows about this product and are more inclined to bid on it.

Keywords in ebay are also important. Some keywords are hot and get a lot of searches while others get close to none. One way of finding hot keywords is to use ebay pulse and get the top 10 keywords for your category.

Then to try to weave in at least 1 such keyword into your title so that your listing shows up on search results.

It is also important to add a picture to your title listing. There are 2 reasons for this. Firstly, a pictures tells a thousand words, putting a picture of your product helps buyers to know what they are buying. Secondly, listings without picture appear almost as a single line on ebay search results while those with pictures take up almost 4 times the space. So it’s easy to spot your listing with pictures.

Marlon Sanders: The Hero In The Internet Marketing World

By: Mario Churchill
If there should be a hero in the internet marketing world, Marlon Sanders would be it. Marlon Sanders is one of the most respected and also the most popular internet marketers in the world. He is even considered as the marketer's marketer.

Marlon Sanders is known to sell some of the most popular marketing products that companies and even you can use to profit. However, before you jump in and start buying Marlon Sanders products, you have to know more about it first.

The marketing products that Marlon Sanders sell will help you or your company to promote, develop and sell your product effectively. You can use Marlon Sanders products in internet marketing or through traditional offline ways. Not only does Marlon Sanders sell effective marketing products, but he is also known to sell marketing products that are easy to use.

He is also the creator of The Amazing Formula that Sells Products Like Crazy. This particular marketing tool that Marlon Sanders sells contains information that is not entirely new. It has been used by many people hundreds of years now and they have been using it to make millions of dollars.

The Amazing Formula that Sells Products Like Crazy by Marlon Sanders is an excellent step by step guide on how to sell products online or offline effectively. This particular guide will inform you about all the things necessary on how to sell your product effectively. Like what that title says, it will definitely improve the way you sell your products and make it sell like crazy.

It has information about a simple system used by many businesses today that have earned millions and millions of dollars, it provides information on examples of online businesses today that uses this formula with great success, it has information on how to effectively automate your business and a lot more about money making tools that you can use.

There are many people and companies alike that have been using this formula with great success and they recommend that you should buy this product by Marlon Sanders in order for you to be successful in the online business world too.

If you think that your online business is not really cutting it like you expected it to, you should consider using Marlon Sanders formula in order to make your business sell its products like hotcakes. You will see that your online business will generate a lot of money and eventually make it grow. Besides, maybe through this product, you will be making your first million.

If you are skeptical about purchasing Marlon Sanders formula, here are reasons on why you should at least take a look at it.

The first reason is that it's so simple to use. This product has a step by step system that will guide you through each step from start to finish. In simple words, everything is laid out for you.

The next reason on why you should purchase this product is that it's not like any other e-books that contain information that you will likely forget the next day. This product contains 300 pages of tips, resources, methods, secrets, systems, and information that will definitely not waste your time and money.

The last reason would be because of the 100% one year customer satisfaction guarantee. So, if you are not completely satisfied with this product, you can easily request for a refund. In addition to this, Marlon Sanders also offers a "triple your money back guarantee". If you are not satisfied with the results after you tried everything mentioned in the book, you will be able to get 3 times of what you paid for.

So, if you want to start your own online business or if you want to at least improve your business and sell your product likes crazy, it is highly recommended that you should purchase The Amazing Formula that Sells Products Like Crazy by Marlon Sanders.

You Want To Market Your Business, But Do You Have The Time?

By: Joseph Ratliff

Well, do you? If not, how do you have time to run a profitable business? By profitable, I am not just talking about money. I also include time to do what you want in profitability. Time is money right?

I am going to give you golden nuggets of time management wisdom that I personally use in my direct response copywriting business. To qualify that these actually work...I utilize all of these methods personally, and I "work" no more than 4 hours a day! Use them in your business today!

1) The foundation is your desk. How clean and organized is your desk? Do you adopt the principle of "use it, file it, or throw it away" with every single item that comes across your desk? You either use information (paper, email, whatever), file information (only if you have TIME STAMPED when you are going to use it), or throw it away completely! Some items are just not important enough to waste valuable time on.

2) Magazines, do you read them? Really, do you? Or, like I used to, do you let them stack up in a pile...hoping to get to them someday. When you finally do, they are outdated...or you manage to read a small part of a magazine, then throw it back on the pile you created. Here is the secret: Use the table of contents! Find those articles you like right away, and rip or cut them out of the magazine! Then, read now, or file the article in a folder for that magazine subject or title. It is much easier to read the articles you are interested in only...and it makes sense.

3) Do you find yourself listening to audio recordings? If so, a real timesaver is to listen to the recording at double speed (2x). In 99% of the cases, you can still understand what is being said, and it doubles your efficiency in getting information. This cuts your listening time in half!

4) How organized is your office? No really, I mean it. Is your office chair in easy reach of filing cabinets, supplies, and other necessary items without having to get up? Getting up and down for a few seconds each time adds up quickly...this technique alone can save you an hour a day! What can you do with an extra 60 minutes? Perhaps take lunch?

5) How do you process "interruptions?" Do you end up checking a blank email box 20 times a day, or check it three times at specific times of the day? Do you schedule phone calls, or do you pick up the phone and answer it every time Aunt Mable calls? How you handle your incoming activities (phone, email, people visiting etc...) can seriously take away from your valuable time! Remember one idea here...NOBODY AND NOTHING controls your time except YOU! It is a conscious decision that you make to take a phone call or send another email...attend a meeting...or any other time suckers.

Please don't take it out on other people when "you don't have enough time." It is YOU that made that decision in the first place.

Money Flow: How To Increase It

By: Brad Homer

Increase the flow of money into your life with these simple but powerful tips:

1. Modify what you think and feel about money; find a way to think positively and feel good about it, even if you’ve gotten yourself into a temporary jam.

2. Be open both to expected and unexpected ways to increase the flow of money.

3. Give when it feels like the right thing to do, but don’t ever do it out of guilt or due to manipulation – see #1.

4. Act when it feels right to act. If you feel genuinely afraid or have an unpleasant gnawing in your gut, trust your instincts – it usually means you still have some unfinished business elsewhere to take care of before proceeding. On the other hand, if the fear you feel is just a nervous excitement and you know in your gut you’ll be ok, it’s probably time to suck it up and act.

5. Make sure you’re following fundamental guidelines regarding money. Spend less than you earn. Go easy on the credit usage – the less the better. When you use credit, you’re lining someone else’s pockets with your future earnings in the form of interest payments. If you’re carrying debt, create a plan to get out of debt, set it on autopilot and start focusing on growing your income. After your debts are paid off (with the exception perhaps of your home mortgage) – start putting away at least 10% of everything you earn into a 401K or other investments you are comfortable with (always get professional advice before making any significant money decision and realize that you alone must make the final judgment about whether to proceed or not – everyone’s situation is unique.)

Do all of the above and your money flow will surely grow. If there is one single tip to focus on more than the others, it’s #1: feel good about money. Make your peace with it. Realize money is just a tool to be mastered and that only the misplaced love of it is the root of evil. Don’t listen to negatives stories of loss and anger about money. Feel good about sharing money when the time is right – greed is a negative emotion that will eventually block the flow of money into your life. Realize that there is more than enough money in the world to meet all your needs and the needs of everyone else around you. Don’t give your money fears the time of day – focus on building plans, taking action, having faith and feeling good about money.